Most People Won't Learn About Insurance Fraud Investigators Until It's Too Late

According to the Coalition Against Insurance Fraud, insurance fraud costs Americans 80 billion dollars a year. The perpetrators of this kind of fraud aren't usually hardened criminals with reset noses and a constant sneer - usually, these crimes are committed by smart people who think of fraud as a way to make a bunch of money without working for it. But awareness can stop them dead in their tracks. Read along and learn some of the main types of insurance fraud, what you can do to prevent it, and where to go for help.

Workers Compensation Fraud

Legitimate workers compensation is a godsend to so many hard-working people who have a run of bad luck. But workers comp fraud comes in a variety of forms, and it's tough for a business owner to have his eyes open for all of them. But when a worker:

Refuses to disclose a nagging injury he had before signing on,Claims he got an injury on the clock when he got it after hours,Fakes or exaggerates an injury,Collects benefits from more than one employer for a legitimate injury, orWorks one place while getting workers comp from another employer

They aren't just skimming a little bit off the top. They're committing a crime. As a preventative measure, companies might refer injured workers to clinics they trust to report honest information. But once they suspect there's fraud in place, a private investigator can conduct interviews, do surveillance, and run background checks on their medical history and claim history.

Automotive Fraud

Investigation for this kind of fraud isn't easy to track, and it's distressingly common. When a staged rear-ender happens, or a legitimate accident is exaggerated, a claimant can collect a sizable amount on their auto insurance policy. The cons don't stop with phony car thefts and falsified applications - there are even recorded incidents of scammers getting insurance on cars that never existed in the first place!

But there are also countless unique, external factors that can create a legitimate accident. Whether it's the weather, the condition of the roads, or the speed of the vehicles involved, they can all make an impact on the damage the cars involved. Those differences can be subtle, but make no mistake - they do exist. A single missing detail can unravel a tangle of lies and help everyone involved determine who, if anyone, is liable for an accident.

Medicare Fraud

There are two major kinds of Medicare fraud. The first is called member fraud, and happens when a policy holder withholds vital information from their provider. The second is much more common - it's called provider fraud. You can protect yourself by staying away from:

Telemarketers and door to door salesmen.Companies that waive co-payments and don't check your ability to pay.Salesmen that aggressively sell you on stuff you don't need.Strange information and rumors about "secret" changes to the Medicare program.Anybody that asks for access to your Medicare card. For any reason.

If you run into any of these, it's a good sign something's up. If you suspect something's gone wrong, get a PI. They'll usually look into your Medicare Summary Notice and check it for irregularities.

We're insurance fraud investigators that work with honesty, integrity, and an open mind - and we try to benefit our client whether he's a wealthy employer or a regular guy that's down on his luck. If you're worried that you or someone you know might be a victim, visit our website at http://www.privateinvestigatorservices.org/, and within minutes, you can schedule a personal consultation that addresses your unique situation.

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